chase-subscription-finder.js

#!/usr/bin/env node

// this script looks through chase credit card transactions looking for repeat description/amount combinations
// login to Chase, click credit card, set a time range, click download account activity (down arrow), choose CSV
// usage: node ./chase-subscription-finder.js Chase*Activity*.CSV

const fs = require('fs');

const BLACKLIST = [
  'PEETZ', // coffee
  'PHILZ', // coffee
  'CLIPPER', // public trans
];

const filename = process.argv[2];
const lines = fs.readFileSync(filename).toString().trim().split('\n');
lines.shift(); // discard header row

const cases = new Map();

iterator: for (let line of lines) {
  let [date, _post, vendor, _cat, _type, amount, _memo] = line.split(',');
  let [month, day, year] = date.split('/');
  amount = Number(amount);
  const cents = Math.round(amount * 100) * -1;

  if (cents < 0) continue; // ignore credit card payments and returns

  vendor = vendor.replaceAll('&amp;', ' ').toUpperCase();
  date = `${year}-${month}-${day}`;

  const normalized = vendor.replaceAll(/[^A-Z]+/g, '_'); // replace non letters with underscores

  let skip = false;
  for (const blacklist of BLACKLIST) { // inefficiency is OK
    if (vendor.includes(blacklist)) {
      skip = true;
      break;
    }
  }

  console.log(`${skip ? '\x1b[2m' : '\x1b[1m'}${date} ${normalized.padStart(30, ' ')} ${String(cents).padStart(8)}¢\x1b[0m`);

  if (skip) continue;

  const name = normalized + ':' + cents;
  const c = cases.get(name);
  if (!c) {
    const obj = {
      dates: [date],
      vendor,
      amount
    }
    cases.set(name, obj);
  } else {
    c.dates.push(date);
  }
}

console.log();
console.log('DISCOVERED THE FOLLOWING RECURRING PAYMENTS');
console.log();

let sum = 0;

for (const c of cases.values()) {
  if (c.dates.length > 1) {
    const amount = '$' + (c.amount * -1).toFixed(2);
    console.log(`${c.vendor.padEnd(30, ' ')} ${String(amount).padStart(8)}   ${c.dates.join(', ')}`);
    sum += c.amount * -1;
  }
}

console.log();
console.log(`TOTAL MONTHLY: \$${sum.toFixed(2)}`);

output:

... a bunch of raw data with ignored entries faded out...
2024-01-01               DIGITALOCEAN_COM     2700¢
2023-12-31                          PHILZ     756¢
2023-12-27          KINOKUNIYA_BOOKSTORES     2167¢

DISCOVERED THE FOLLOWING RECURRING PAYMENTS

NETFLIX                          $15.49   2024-04-06, 2024-02-06, 2024-01-06
SOMA FM COM RADIO                 $4.20   2024-04-03, 2024-03-03, 2024-02-03
DIGITALOCEAN.COM                 $27.00   2024-04-01, 2024-03-01, 2024-02-01
GITHUB                            $2.00   2024-03-10, 2024-02-10, 2024-01-10
GITHUB  INC.                      $4.00   2024-03-10, 2024-02-10, 2024-01-10

TOTAL MONTHLY: $123.45